USB ATM NETWORK

Plug and Play with free downloads 32,000 free ATM’s nationwide. All Presto ATMs at Publix Grocery Stores and any Allpoint ATM. click here to locate an Allpoint ATM

Free nationwide ATM network

Get the FREE mobile phone app!

iPhone, Blackberry, etc.

For Your Security

United Southern Bank is concerned about you protecting your identity. Identity theft affects 750,000 new victims each year and costs consumers, merchants and financial institutions billions of dollars.

Thieves have been ruining good consumers’ credit for years by stealing credit cards or just the credit card number, stealing mail and by getting consumers to give out personal information through fraudulent means. Studies show that most identity theft crimes are carried out by stealing paper information and are perpetrated by someone you know.

Remember, United Southern Bank personnel will NEVER make an unsolicited call to you asking for your account number or other personal information. Nor will we send an email asking for personal information or passwords. We also discourage you from sending us personal information via unencrypted email.

If you are a consumer (not a business) and discover you have lost your debit/check card or your online login information has been compromised, notify us immediately. If you report the loss within two (2) business days, your liability is limited to the lesser of $50 or the amount of the unauthorized transfers that occur before notice to us.

If you wait more than two (2) business days to report the loss of your debit/check card or login information, you are liable for up to $500 of unauthorized transactions.

KNOW HOW OTHERS ARE PROTECTING YOUR INFORMATION

Find out how your CPA, attorney, financial planner or other service providers who have your social security number protect it. Do they lock the information and protect it from unauthorized employee access? How vulnerable is their computer system?

Do third party service providers conduct background checks on their employees?

UNITED SOUTHERN BANK PROTECTS YOUR INFORMATION

We train and test employees on privacy and protecting customers’ information.

Employees are required to sign a privacy agreement when employed.

Customer files are locked at night.

We utilize a professional shredding company for discarded personal information.

We have the ability to encrypt emails that contain sensitive information.

We have a firewall from our network provider as well as our own in house firewall.

We have an Intrusion Detection System that is monitored 24 hours a day for any kind of anomaly.

In order to access our customer database, three levels of pass words are required.

We employ an outside agency to test our information security by performing hack tests from both outside and inside our organization.

Use multi-factor authentication for online banking.

UNITED SOUTHERN BANK EMAIL ENCRYPTION

W hy do you need to encrypt email?

Regular email isn’t a private conversation and can be easily intercepted and read by unwanted parties. By law, we are required to protect certain types of personal information, but more importantly we believe it is simply a smarter way to do business. In addition, email encryption increases efficiencies by allowing the electronic transfer of sensitive information that has traditionally required slower manual delivery methods. Email encryption is one way we’re taking responsibility to protect your personal private information

How will I get my encrypted email messages?

When an employee sends you email containing private information you may receive an encrypted message. You will be asked to click on a link in the email, which will connect you to our secure message center. There you will register a private password to retrieve and reply to your secure messages.

What if I already use Zix Email Encryption?

If you already use Zix, then you are already part of the ZixDirectory, and will automatically receive secure emails in your inbox and be able to send secure emails back to us transparently.

Won't it be difficult to get my messages?

You will be able to open your encrypted emails in seconds with the confidence that your personal information remains private. Together with our partners at ZixCorp™, we have developed an easy-to-use approach that protects our entire community of interest — our employees, our customers, and our business partners.

WHAT TO DO IF YOU ARE A VICTIM

File a report with the police and keep a copy for your records in case you need proof of the crime later.

Contact your credit card company and your financial institution and close your accounts.

Call the three major credit bureaus to tell them your identity has been stolen. Request that a fraud alert be placed on your file and that no new credit be granted without your approval.

KEEP A RECORD OF YOUR ACTIONS

Keep a file of documents related to the identity theft. You will want to include documents such as disputed bills, credit reports, police reports, and any correspondence.

Maintain a record of your telephone conversations with the persons and agencies you contact for assistance. Be sure to record the date and time of the call, the name and title of the person you spoke with, and the things you discussed.

Follow up all telephone conversations in writing and send these letters certified with return receipts requested; maintain copies of these written correspondences for your file.

Maintain copies of any written correspondence you exchange related to the identity theft.

NOTICE: United Southern Bank is not responsible for and has no control over
the subject matter, content, information, or graphics of the web sites that have links here.
The portal and news features are being provided by an outside source - The bank is not responsible
for the content.